How do you settle up after a home poker game?

Work out each player's net result (cash-out minus total buy-in), then find the smallest set of payments that clears every balance. Players who finished down pay players who finished up. This calculator does it automatically: enter each player's buy-ins and final cash-out and it returns the minimum number of transfers — for example reducing a 6-player game from up to 15 possible payments down to 3 or 4.

How does the settle-up calculator minimize the number of payments?

It computes every player's net balance, then repeatedly matches the biggest loser to the biggest winner and transfers the smaller of the two amounts. Each transfer fully settles at least one player, so the total number of payments stays close to the theoretical minimum instead of everyone paying everyone.

Is this poker settle-up calculator free, and do I need an account?

It is completely free and runs entirely in your browser — no sign-up, no download, and no data leaves your device. You can also do the same thing live during the game with the free PartyPot app, which tracks buy-ins and rebuys in real time and settles at the end with one tap.

Is a poker settle-up calculator a gambling app?

No. It is a bookkeeping tool. It does not take bets, hold money, or process payments — it only does the arithmetic of who owes who after the game so you can settle directly between players using cash, Venmo, PayNow, or any method you choose.

Can I use it for mahjong, blackjack, or other money games?

Yes. Any game where players buy in and cash out works the same way — enter each player's money in and money out and the calculator settles it. For point-based mahjong, use the dedicated PartyPot mahjong payout calculator instead.

Free · No sign-up · Works in your browser

Poker Settle-Up Calculator

Enter each player's buy-ins and cash-outs and instantly see who pays who — with the fewest payments possible.

Currency

PlayerBuy-inCash-outNet

+$70

$-50

+$15

$-35

Total in $250 · Total out $250Balance $0

Settlement

Round to

SamAlex$50
RiyaAlex$20
RiyaJordan$15

3 payments to settle everyone.

To settle up after a home poker game, work out each player's net result (cash-out minus total buy-in), then make the smallest set of payments that clears every balance — losers pay winners. This free calculator does it for you: enter each player's buy-ins and cash-out and it returns the minimum number of transfers, often cutting a 6-player game from up to 15 possible payments down to 3 or 4.

How the settle-up math works

1. Net each player. Net = cash-out − total buy-in. A player who bought in for $100 and cashed out $65 is down $35.
2. Split into winners and losers. Winners are owed money; losers owe money. The two sides always add up to zero in a real game.
3. Match biggest to biggest. The biggest loser pays the biggest winner the smaller of the two amounts. That payment fully settles at least one person, so they drop out.
4. Repeat until everyone is clear. This keeps the number of payments near the minimum — instead of everyone Venmo-ing everyone.

A lot of groups settle through one person — everyone pays the biggest winner, who then pays the other winners. Flip the Pay one banker toggle for exactly that (one transaction per person), or keep Fewest payments to minimise the total number of transfers. The Round to option clears the awkward cents so every payment lands on a whole $1 or $5.

Skip the manual entry

Track it live, settle in one tap

This calculator settles up after the game. The free PartyPot app does it during the game: every buy-in, rebuy and pot is tracked in real time on each player's phone, and Smart Settlement produces the same minimum-transfer result the moment you finish — no spreadsheet, no arguments. It's a bookkeeping tool, not a gambling app: no real money is wagered or held.

Download on iOS Get it on Android

PartyPot Smart Settlement screen listing the minimum transfers needed to settle a home poker game — Smart Settlement

PartyPot Poker Mode showdown with an automatic main pot and side pot — Automatic side pots

Poker settle-up FAQ

How do you settle up after a home poker game?: Net each player (cash-out minus total buy-in), then make the smallest set of payments that clears every balance — losers pay winners. This calculator finds the minimum number of transfers automatically.
Is it free, and do I need an account?: Completely free, no sign-up, no download — it runs entirely in your browser and nothing leaves your device. For live tracking during the game, the free PartyPot app does the same settlement in one tap.
Is a poker settle-up calculator a gambling app?: No. It only does the arithmetic of who owes who after the game. It does not take bets, hold money, or move funds — you settle directly between players using whatever method you like.
Can I use it for mahjong, blackjack, or board games?: Yes — any buy-in / cash-out game settles the same way. For point-based mahjong, use the dedicated mahjong payout calculator.

Related free tools & guides

Mahjong Payout CalculatorWho pays who in a mahjong session →Poker Chip Distribution CalculatorHow many chips each player needs →Poker App for Counting ChipsTrack stacks, pots & side pots →Best App to Settle Up After PokerSmart Settlement, explained →

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